FDIC Certificate #: 9104 Status: Active Federal Reserve ID: 337247 Bank Holding Company (Regulatory Top Holder): Tripoli Bancshares, Inc. (RSSDID: 1141508, Location: Saint Paul, MN) Date Established: January 10, 1899 WWW:http://www.asbtripoli.com Trust Powers Granted: Yes Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC Offices: 1 (Domestic: 1, Interstate: No) OTS Docket #: 9913 FDIC's unique #: 5830 Numeric code: 21 Regulator: FDIC Insurance Fund Membership: Deposit Insurance Fund (DIF) Insured commercial Banks: Yes FDIC Insured: Yes Deposit Insurance Fund member: Yes Agricultural lending institution: Yes Ownership Type: Non-Stock FFIEC Call Report 31 Filer: No State Chartered: Yes Subchapter S Corporations: Yes Asset Concentration Hierarchy: Agricultural Specialization Date of Deposit Insurance: January 01, 1934 Last Structure Change Effective Date: March 31, 2006 Last Structure Change Process Date: November 03, 2006 Last Data Update: November 03, 2006 Data Source Date: April 05, 2012
Location
Address: 312 S. Main St, Tripoli, IA 50676 County: Bremer Quarterly Banking Profile Region: Kansas City FDIC Geographic Region: Kansas City FDIC Supervisory Region: Kansas City FDIC Field Office: Cedar Rapids Office of the Comptroller the Currency (OCC) District: Midwest Office of Thrift Supervision Region: Western Core Based Statistical Area (CBSA): Waterloo-Cedar Falls, IA (#47940) CBSA Metro Statistical Area: Waterloo-Cedar Falls, IA (#47940)
History of Changes
Change in Location
Merge BIF and SAIF Funds into DIF
Financial Summary
Total assets: $50.9 mil Equity capital: $8.4 mil Deposits held in domestic offices: $38.8 mil Return on assets (ROA): 1.94% ($1.0 mil) Quarterly return on assets: 1.80% ($0.9 mil) Return on Equity (ROE): 12.26% ($1.0 mil) Quarterly return on equity: 10.80% ($0.9 mil) Net income: $1.0 mil Quarterly Net income: $0.2 mil Pretax return on assets: 2.04% ($1,038.8 mil) Quarterly Pretax return on assets: 1.91% ($972.6 mil)
1992 - 1999 Historical total assets, liabilities and capital ($ mil)
2000 - 2011 Historical total assets, liabilities and capital ($ mil)
Historical Total Incomes ($ mil)
Historical Total Expenses ($ mil)
Historical total employees (full-time equivalent)
Assets and Liabilities (December 31, 2011)
Dollar figures in thousands
8Total employees (full-time equivalent)
$50,921Total assets
$1,149Cash and due from depository institutions
$0Interest-bearing balances
$23,077Securities
$1,840Federal funds sold & reverse repurchase agreements
$23,670Net loans & leases
$309Loan loss allowance
$0Trading account assets
$110Bank premises and fixed assets
$120Other real estate owned
$0Goodwill and other intangibles
$50,921Life insurance assets
$955All other assets
$42,520Total liabilities and capital
$38,813Total liabilities
$34,737Total deposits
$38,813Interest-bearing deposits
$84Deposits held in domestic offices
0.00%% insured (estimated)
$0Federal funds purchased & repurchase agreements
$3,552Trading liabilities
$0Other borrowed funds
$155Subordinated debt
$8,401All other liabilities
$8,401Total equity capital
$8,401Total bank equity capital
$0Perpetual preferred stock
$200Common stock
$1,700Surplus
$6,501Undivided profits
Memoranda
$0Noncurrent loans and leases
$0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
$156Income earned, not collected on loans
$0Earning assets
$360Long-term assets (5+ years)
$48,587Average Assets, year-to-date
$27,850Average Assets, quarterly
$49,740Volatile liabilities
$50,482Insider loans
$32,325FHLB advances
$50,993Loans and leases held for sale
$274Unused loan commitments
$274Tier 1 (core) risk-based capital
$7,786Tier 2 risk-based capital
$0Total risk weighted assets
$0Total unused commitments
$3,403Restructured Loans and leases
$0Derivatives
Income and Expense (December 31, 2011)
Dollar figures in thousands
$2,212Total interest income
$627Total interest expense
$1,585Net interest income
$0Provision for loan and lease losses
$139Total noninterest income
$5Fiduciary activities
$64Service charges on deposit accounts
$0Trading account gains & fees
$70Additional noninterest income
$756Total noninterest expense
$421Salaries and employee benefits
$59Premises and equipment expense
$276Additional noninterest expense
$968Pre-tax net operating income
$46Securities gains (losses)
$50Applicable income taxes
$964Income before extraordinary items
$0Extraordinary gains - net
$964Net income attributable to bank
$0Net charge-offs
$964Cash dividends
$0Sale, conversion, retirement of capital stock, net
$400Net operating income
Performance and Condition Ratios (December 31, 2011)
Dollar figures in thousands
Performance Ratios (%, annualized)
4.68%Yield on earning assets
1.33%Cost of funding earning assets
3.35%Net interest margin
0.29%Noninterest income to earning assets
1.60%Noninterest expense to earning assets
1.85%Net operating income to assets
1.94%Return on assets (ROA)
2.04%Pretax return on assets
12.26%Return on equity (ROE)
7.17%Retained earnings to average equity (YTD only)
0.00%Net charge-offs to loans
0.00%Credit loss provision to net charge-offs
0.00%Efficiency ratio
43,852Assets per employee
6.37%Cash dividends to net income (YTD only)
Condition Ratios (%)
41.49%Loss allowance to loans
1.29%Loss allowance to noncurrent loans
198.08%Noncurrent assets plus other real estate owned to assets
0.54%Noncurrent loans to loans
0.65%Net loans and leases to deposits
60.98%Net loans and leases to core deposits
64.53%Equity capital to assets
16.50%Core capital (leverage) ratio
15.27%Tier 1 risk-based capital ratio
24.09%Total risk-based capital ratio
Memoranda
$25Average assets
$49,740Average earning assets
$7,862Average equity
$47,306Average loans
Total Fiduciary and Related Assets (December 31, 2011)
Dollar figures in thousands
$1Total fiduciary and related assets
1Number of Fiduciary Accounts and Related Asset Accounts
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